Home Insurance Building Uk Home Insurance In The UK? How Does It Work?

Home insurance in the UK? how does it work? - home insurance building uk

I am a tenant in an apartment in London with my boyfriend. I wonder if I get insurance for this apartment and have what the king of insurance (buildings or contents ???). I mean, if it burns, a broken window or a flooding problem, we pay for them or is the owner? The same applies for the flight?
Finally, where to get the best place to see? I've tried a few quotes from various companies (HSBC, Tesco ...), get, but the price you was crazy: about 250 kg per year. Is it always so expensive in the UK? (I lived in Paris and) less than 40 pounds per year for full coverage.

Thank you very much